Talk To Me Nice
When on the phone and a lead says:
"I'm not interested "What would be the recommended respsonse?
I appreciate you bringing that up and that is exactly the reason for my call “most people aren’t interested at first, but what they found after hearing about the programs and how valuable they were for their family, they were very appreciative of the information. The least we can do is go over the information and see if we can help you as well?” Does that make sense?
On EAPP, Where is TIR and what does it mean?
TIR stands for terminal illness rider which means if a client is declared terminally ill and only have 12 months or less to live, they can borrow half of their face amount and use it for whatever they want like paying medical bills, going on vacation etc and the remaining half will pay out for the funeral and final expenses. It is also located underneath the whole life plans in the middle.
I am 35 years old and have been diagnosed with depression back in January 2019 and stood overnight in a hospital for 3 days. I still currently take citalopram 10mg 1 x a day.
What is standard app.
This form allows both the funeral home and beneficary to be paid out immediately within 1-3 days when the insured dies.
What is the freedom of choice?
What is a senior graded whole life?
What is:
Level premiums are payable during the entire lifetime of the Insured. The death benefit paid in the first 3 years is for less than the full Face Amount. In year 1 the death benefit is 25% of the Face Amount. In year 2 the death benefit is 50% of the Face Amount, in year 3 the death benefit is 75% and in year 4 and thereafter the death benefit is for the full Face Amount. The policy has smoker-distinct cash values and reduced paid up available. Extended term insurance is not available. This plan is not available in MA, MN, NH, NJ, NC, PA, WA, WV and NZ.
When on the phone with a lead and they simply say to you:
"I'm busy can you call me back?"
What would be the recommended response to handle that rebuttal?
I appreciate you letting me know that, and that’s exactly why we make this super quick. The shorter the better for me since I run a tight schedule. Let me ask what time do you typically get home? (book 1-2 hours after they are home)
What is WP on the eapp?
What is Wavier of premium?
I am 40 years old and I am a NTU but I have asthma was treated for it back in 2023 but went to the emergency room back in April of 2025.
What is a trial.
According to auto trials anyone that stood overnight or receive surgery within the last 6 months would be an automatic trial.
A client has both whole life and term coverages they have over 500k of life insurance. But they don't have the freedom of choice. Why would we assume that doesn't matter?
The freedom of choice is a great "add on coverage" for what the client already has. Plus this also guarantee's the immediate pay out to the beneficiary within 1-3 days instead of 30 days to 6 months.
What is a 10 year R&C?
What is:
The term period is 10 years and the death benefit is level. Coverage may be renewed at the end of each 10-year period prior to age
65. The last renewal period will end at age 65 when coverage expires. Renewal premium rates are the regular premium rates at the attained age of the Insured on the renewal date. Conversion is available to age 63. If premiums are being waived due to disability at the end of the conversion period, this coverage will automatically be converted to a whole life plan for the amount of insurance in force at that time, and premiums will continue to be waived.
When on the phone with a lead and they say:
" I don't remember requesting for life insurance or that was a mistake"
What would be the recommended way for you to handle that response?
“I understand,“I appreciate you letting me know. Sometimes people forget that they sent in the request. It could also be that a family member put it in on your behalf — that happens a lot. Let me just confirm the info we have: you’re at [address], correct? Do you have a spouse or children? We see spouses and kids request this for their loved ones all the time — I even did it for my own parents. Let me ask, do you have something in place to cover your final expenses or leave behind a legacy for your family? Exactly that's the reason for my call to help you get this in place and honor this request.” Does that make sense?
In a perfect world. On EAPP All questions should be no except for ?
What is physical exam.
I am 70 years old and was a Veteran who lost both legs during the war.
What is a standard.
Here at AIL/Globe Life we offer, 10 YR R&C, 4 YR R&C's, Whole life, child riders, head starts etc but what is our BEST PRODUCT?
What is the freedom of choice?
What is a 4 Year R&C?
What is?
The term period is 4 years and the death benefit is level. Coverage may be renewed at the end of each 4-year period prior to age
70. The last renewal period will end at age 70 when coverage expires. Renewal premium rates are the regular premium rates at the attained age of the Insured on the renewal date. Conversion is available to age 68. If premiums are being waived due to disability at the end of the conversion period, this coverage will automatically be converted to a whole life plan for the amount of insurance in force at the time, and premiums will continue to be waived. The minimum policy size is $100,000.
When on the phone with a lead and they say:
" how long is this going to take?"
What would be the recommended rebuttal ?
“Great question it really depends on how many questions you have, but I keep it short and to the point because I run a tight schedule. Most people are surprised at how quick and simple it is. Sounds fair?”
On EAPP, if a client answers yes to question 20, what is expected for you to do next?
**DAILY DOUBLE**
What is to fill out a questionnaire.
What questionnaires are they?
-alcohol, arrest, and drug
I am a senior and I have COPD and am a TU.
What is an auto decline client is a senior and is still currently smoking that would make them an auto decline.
What makes us different than all the other life insurance companies out there?
What is we are the ONLY 100% UNIONIZED life insurance company that has had the privilege to work with over 40k unions.
What is a Wavier of premium?
What is:
After 6 months of continuous total disability, policy and rider premiums are waived until recovery. Premiums paid by the Insured during the 6-month period are refunded. Coverage for waiver of premium ceases at age 60, but premiums due after age 60 will continue to be waived if the actual waiving of premiums started before age 60.
When on the phone with a lead how do properly book a right now?
"role play with a manager on a phone live"
open discussion manager can over rule it
What are the 4 different brackets for whole names and amount?
what is:
reg whole life 1k-34,999
preferred whole life 35k-59,999
executive whole life60k-119,999
select whole life-120k- and up
I am a senior who is currently smoking and has diabetes and on insulin
what is no trial
What service do we provide?
What is The Will kit, child safe kit, ail plus and of course the FOC!
What is a GIO?
What is a Guarantee insurability option rider and
This rider has no death benefit itself but guarantees an Insured the right to buy additional whole life insurance policies on future option dates without new evidence of insurability. Those dates occur at ages 25, 28, 31, 34, 37, and 40, but option dates can be advanced at first marriage and birth or adoption of children. This rider can only be attached to a permanent life policy. The maximum rider is $25,000.